IP Library › Granted Patent US 12,131,301
Granted Patent B2
US 12,131,301 · App. 17/386,158 · Granted Oct 29, 2024

Automated performance of parameter-based operations in trusted network environments

Inventors: Stephen John McCann (Toronto, CA); Perry Aaron Jones Haldenby (Toronto, CA); Arthur Carroll Chow (Toronto, CA); Eddie Cheuk Long Law (Toronto, CA); Haituyen Anthony Nguyen (Toronto, CA); Paul Mon-Wah Chan (Toronto, CA); John Jong Suk Lee (Toronto, CA); Rakesh Thomas Jethwa (Toronto, CA)
Assignee: The Toronto-Dominion Bank
G06Q20/102G06Q20/1085G06Q20/385G07F19/206H04L63/08H04L67/104H04L67/14G07F19/207H04L2463/102
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Quick Facts
Patent No.
US 12,131,301
App. No.
17/386,158
Granted
Oct 29, 2024
Kind
B2
Abstract

The disclosed embodiments include computer-implemented systems and processes that facilitate an initiation and a performance of one or more trustless transactions between counterparty devices operating within a trusted, secure computer-networking environment. For example, an apparatus may receive, through a touchscreen display unit, first data that identifies a session identifier associated with a transaction session, and may determine a validity of the session identifier based on the received first data. The apparatus may establish the transaction session in response to the determined validity of the session identifier. The transaction session may be associated with first and second operations characterized by values of corresponding parameters. The apparatus may receive, through the touchscreen display unit, second data confirming a completion of the first operation, and in response to the confirmation of the completed first operation, the apparatus may perform the second operation in accordance with at least a portion of the parameter values.

Claims (79)

1. An apparatus, comprising:

an input unit;

a storage unit storing instructions; and

at least one processor coupled to the input unit, and the storage unit, the at least one processor being configured to execute the instructions to:

through the input unit, receive first input data from a first party associated with a data exchange session and receive second data from a second party associated with the data exchange session, the first input data comprising a first identifier of the first party, the second input data comprising a second identifier of the second party, the first input data being associated with a first receipt time and the second input data being associated with a second receipt time, and the first party and the second party being disposed at a physical location of the apparatus, the apparatus being associated with a trusted, third-party computing network;

receive, from a computing system across a communications network, confirmation data indicative of a validity of the first session identifier and of the second session identifier, and validate the first identifier and the second identifier based on at least a portion of the confirmation data;

determine that each of the first and second receipt times fall within a threshold time period of a scheduled start time of the data exchange session;

establish the data exchange session based on the determination that each of the first and second receipt times fall within the threshold time period of the scheduled start time of the data exchange session, and based on the validation of the first identifier and the second identifier;

receive, through the input unit, third input data that confirms a completion of a first operation associated with the data exchange session, and based on the third input data, initiate a performance of a second operation associated with the data exchange session, the first operation comprising an exchange of a good or service between the first party and the second party and the second operation comprising a transaction involving the first party and the second party; and

detect a completion of the performance of the second operation, and terminate the data exchange session based on the detected completion.

2. The apparatus of claim 1 , wherein the at least one processor is further configured to execute the instructions to:

request, from the computing system, the confirmation data indicative of the validity of the first session identifier and of the second session identifier;

validate the first session identifier and the second session identifier based on the portion of the confirmation data, and based on the determination that the first and second receipt times fall within the threshold time period of the scheduled start time.

3. The apparatus of claim 2 , wherein:

the data exchange session is associated with a transaction identifier;

the confirmation data associates the transaction identifier with the first and second session identifiers; and

the at least one processor is further configured to execute the instructions to establish the data exchange session based on the validation of the first and second session identifiers, and based on the association between the transaction identifier and the first and second session identifiers.

4. The apparatus of claim 2 , wherein the at least one processor is further configured to execute the instructions to:

obtain data identifying a first assigned session identifier of the first party and a second assigned session identifier of the second party;

determine that the first session identifier corresponds to the first assigned session identifier, and determine that the second session identifier corresponds to the second assigned session identifier; and

establish the validity of the first and second session identifiers based on the determination that the first session identifier corresponds to the first assigned session identifier and that the second session identifier corresponds to the second session identifier, and based on the confirmation data.

5. The apparatus of claim 1 , wherein:

the first and second parties are disposed at the physical location of the apparatus at the scheduled start time;

the apparatus further comprises a digital camera coupled to the at least one processor; and

the at least one processor is further configured to execute the instructions to:

generate an electronic command that, when received by the digital camera, causes the digital camera to capture digital video or image data indicative of an environment surrounding the apparatus;

detect a completion of the data exchange session; and

based on the detected completion of the data exchange session, generate an additional electronic command that, when received by the digital camera, causes the digital camera to cease capturing the digital video or image data.

6. The apparatus of claim 1 , wherein the apparatus is an automated teller machine, and the first and second parties are disposed at a physical location of the automated teller machine.

7. The apparatus of claim 6 , wherein:

the at least one processor is further configured to execute the instructions to receive the third input data from the second party through the interface unit; and

the third input data comprises a personal identification number of the second party.

8. The apparatus of claim 1 , wherein:

the first operation is characterized by values of one or more first parameter values, and the second operation is characterized by one or more second parameter values;

the third input data confirms a completion of the exchange of the good or service in accordance with the one or more first parameter values; and

the at least one processor is further configured to execute the instructions to, based on the third input data, initiate the transaction in accordance with the one or more second parameter values.

9. The apparatus of claim 1 , wherein the input unit comprises further comprising a near-field communications interface, the near-field communication interface being coupled to the at least one processor, and the at least one processor being further configured to execute the instructions to:

receive, via the near-filed communications interface, at least one of the first input data from a first device operable by the first party or the second input data from a second device operably by the second party; and

receive, via the near-filed communications interface the third input data from the first device or the second device.

10. The apparatus of claim 1 , wherein the trusted computing network comprises an automated-teller machine network.

11. A computer-implemented method, comprising:

using at least one processor of an apparatus, and through an input unit of the apparatus, receiving first input data from a first party associated with a data exchange session and receiving second data from a second party associated with the data exchange session, the first input data comprising a first identifier of the first part the second input data comprising a second identifier of the second party, the first input data being associated with a first receipt time and the second input data being associated with a second receipt time, and the first party and the second party being disposed at a physical location of the apparatus, the apparatus being associated with a trusted computing network;

using the at least one processor, receiving across a communications network, confirmation data indicative of a validity of the first session identifier and of the second session identifier from a computing system, and validating the first identifier and the second identifier based on at least a portion of the confirmation data;

determining, using the at least one processor, that each of the first and second receipt times fall within a threshold time period of a scheduled start time of the data exchange session;

establishing, using the at least one processor, the data exchange session based on at least the determination that the first and second receipt times fall within the threshold time period of the scheduled start time of the data exchange session, and based on the validation of the first identifier and the second identifier;

receiving, using the at least one processor, third input data through the input unit that confirms a completion of a first operation associated with the data exchange session, and based on the third input data, initiate a performance of a second operation associated with the data exchange session, the first operation comprising an exchange of a good or service between the first party and the second party, and the second operation comprising a transaction involving the first party and the second party;

detecting, using the at least one processor, a completion of the performance of the second operation and based on the detected completion, terminating the data exchange session using the at least one processor.

12. The computer-implemented method of claim 11 , wherein:

the computer-implemented method further comprises:

using the at least one processor, requesting, from the computing system, the confirmation data indicative of the validity of the first session identifier and of the second session identifier; and

validating, using the at least one processor, the first session identifier and the second session identifier based on the portion of the confirmation data, and based on the determination that the first and second receipt times fall within the threshold time period of the scheduled start time.

13. The computer-implemented method of claim 12 , further comprising:

obtaining, using the at least one processor, data identifying a first assigned session identifier of the first party and a second assigned session identifier of the second party;

determining, using the at least one processor, that the first session identifier corresponds to the first assigned session identifier, and determine that the second session identifier corresponds to the second session identifier; and

establishing, using the at least one processor, the validity of the first and second session identifiers based on the determination that the first session identifier corresponds to the first assigned session identifier and that the second session identifier corresponds to the second session identifier, and based on the confirmation data.

14. The computer-implemented method of claim 11 , wherein:

the first and second parties are disposed at the physical location associated with the apparatus at the scheduled start time; and

the computer-implemented method further comprises:

generating, using the at least one processor, an electronic command that, when received by a digital camera coupled to the at least one processor, causes the digital camera to capture digital video or image data indicative of an environment surrounding the digital camera;

detecting, using the at least one processor, a completion of the data exchange session using the at least one processor; and

based on a detected completion of the data exchange session, generating, using the at least one processor, an additional electronic command that, when received by the digital camera, causes the digital camera to cease capturing the digital video or image data.

15. The computer-implemented method of claim 11 , wherein:

the apparatus is an automated teller machine;

the receiving comprises receiving the third input data from the input unit of the automated teller machine, the interface unit being coupled to the at least one processor; and

the first and second parties are disposed at a physical location of the automated teller machine.

16. The computer-implemented method of claim 15 , wherein:

the receiving further comprises receiving the third input data from the second party through the interface unit; and

the third input data comprises a personal identification number of the second party.

17. The computer-implemented method of claim 11 , wherein:

the first operation is characterized by values of one or more first parameter values, and the second operation is characterized by one or more second parameter values;

the third input data confirms a completion of the exchange of the good or service in accordance with the one or more first parameter values; and

the computer-implemented method further comprises, based on the third input data, and using the at least one processor, initiating the transaction in accordance with the one or more second parameter values.

18. A tangible, non-transitory computer-readable medium storing instructions that, when executed by at least one processor, cause the at least one processor to perform a method, comprising:

through an input unit of an apparatus, receiving first input data from a first party associated with a data exchange session and receiving second data from a second party associated with the data exchange session, the first input data comprising a first identifier of the first party the second input data comprising a second identifier of the second party, the first input data being associated with a first receipt time and the second input data being associated with a second receipt time, and the first party and the second party being disposed at a physical location of the apparatus, the apparatus being associated with a trusted computing network;

receiving, across a communications network, confirmation data indicative of a validity of the first session identifier and of the second session identifier from a computing system, and validating the first identifier and the second identifier based on at least a portion of the confirmation data;

determining that each of the first and second receipt times fall within a threshold time period of a scheduled start time of the data exchange session;

establishing the data exchange session based on at least the determination that (i) the first and second receipt times fall within the threshold time period of the scheduled start time of the data exchange session, and based on the validation of the first identifier and the second identifier;

receiving third input data that confirms a completion of a first operation associated with the data exchange session through the input unit, and based on the third input data, initiate a performance of a second operation associated with the data exchange session, the first operation comprising an exchange of a good or service between the first party and the second party, and the second operation comprising a transaction involving the first party and the second party; and

detecting, using the at least one processor, a completion of the performance of the second operation, and terminating the data exchange session based on the detected completion.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jul 27, 2021
From: NGUYEN, HAITUYEN ANTHONY; CHAN, PAUL MON-WAH; CHOW, ARTHUR CARROLL; HALDENBY, PERRY AARON JONES; JETHWA, RAKESH THOMAS; LAW, EDDIE CHEUK LONG; LEE, JOHN JONG SUK; MCCANN, STEPHEN JOHN
To: THE TORONTO-DOMINION BANK
Reel/Frame 056998/0141 →
Continuity (2)
Continuation 15349274 · Nov 11, 2016
Related Publication 20210357886A1 · Nov 18, 2021